Book Review- Arthvyavstha of Mandir: Temple Economics by Sandeep Singh, 2024, Edition -1st

By: Sambhawna Chaudhary, Assistant Professor, Dyal Singh College, University of Delhi, and Dr. Rashmi Rani Anand, Assistant Professor, School of International Studies, JNU

 About the Author and the Perspective

 Sandeep Singh is a renowned scholar in the field of management, who is committed to understanding the complexities of Indian management techniques. Motivated by the 2006 remarks made by Dr. Manmohan Singh, Sandeep set out to investigate the ‘Indian Way of Management,’ giving thought-provoking talks and writing ten perceptive books in Hindi and English across a range of disciplines. His desire to preserve the history of Indian commerce led to the creation of a private museum. His highly regarded Temple Economics series is based on in-depth study of Bharat’s commercial history. He believed this book would revive the nation, the society and Dharma.

Arthavyavstha of Mandirs (Temple Economics) by Sandeep Singh is an eye opener for the Hindus to understand their temples and their importance in Bharat and how they have been brain washed against their own temples. It tries to explain the temple’s economics and its flow.

The book is divided into four parts/ sections.The book’s strength is its depiction of numerous Mandirs located around India, along with their history of creation, destruction, and impact on people’s lives. The writer implores us to stop discussing, writing, and reading about the issues with the temple. The time to act is now.

Through the book, numerous compelling case studies demonstrated the significant economic impact of pilgrimages and how they benefit both the country and Dharma. Devi and Devtas’ names are written in their original (Hindu) form, which makes the author’s writing style distinctive. As an illustration, Dharma is written as Dharm, Rama as Ram, and so forth.

Using the words “Mandir” instead of “Temple” and “Arthvyavstha” instead of “Economics” has important implications! The fields of Arthvyavstha and Economics are very different from one another. The relationship between Mandir and Arthavyavstha has been expertly illustrated by the author.

The author in part one of the book tries to explain how the Mandir culture in Bharat is so unique it is a balanced mixture of social, cultural, economic, educational and unifying aspects. The Author explains that mandir-based Arthvyavstha is about well being of all the people who are associated with the Mandir like devotees, vendors, deities etc. Palani Mandir has the second highest revenue in India but that is used for a lot of welfare like polytechnic for women was established, an oriental college was established in 1960, and the revenue is used to protect classical art like Naadasvaram etc.

The author explains how Mandir based Arthvyavstha needs human resources, such as price, staff, cleaners, singers, and musicians. It also needs someone to supervise the work, someone to take care of all the duties. The physical structure and the ditties are also physical resources. Financial resources are required like funds or consumables like oil food, flowers, etc. It also needs information resources, such as spiritual references for rituals, mantras, knowledge of the Dharma etc. Mandir are not a place of worship only, they are a place full of cultural, social and economic life of the people. The daily routine especially of a large Mandir gives constant employment to the musician, dancers, florist, cooks and many others.

Starting from its Karamakaand (ritual), hold the heart of the Mandi talking about from flowers. Flowers hold a special place in a Mandir‘s and they are connected to our lives from the birth to the death talking about Jasmine flower. Jasmine flower is associated with Devi Meenakshi and the city of Madurai, the huge demand for jasmine in the Mandirs have made it a commercial crop, giving livelihood to more than hundreds of people, not just that according to the Charaka Samhita jasmine fragrance is used to calm the mind and the body, and eliminate a lot of mental issues like insomnia, etc.Traditional palm leaves are used to transport these jasmine to the temple. Flowers are also wrapped in banana leaves, which are eco-friendly, aesthetically, pleasing, and give livelihood to those who grow palm and banana. All the rituals are connected to the Arthvyavstha. Prashad the food or the Prasad, offered to God is later distributed to all the devotees, irrespective of their caste, religion, gender, and creed. cook, etc. Mandir has saved many of the Bhartiya vegetables as Mandir does not use non-Bharti vegetables like carrots, tomato, melons, etc. Lentis survived due to the Mandirs. Pulses are very important food crop globally and account. A large portion of the export pulses form an integral part of Bharti diet. The British used to feed these pulses to their birds and cattle and saw it as an inferior food but Mandir preserved these pulses, for example, chickpea survive because of Prashad that is Laddu Boondi Laddu is made from Channa, are cereal or food habit or values are only surviving because of Mandir and Bharti rituals.

The author explains that Shilpa refers to art and craft. So Mandir economy covers every aspect of art and culture like painting, architecture, dance, musician etc. A temple preserves these arts and crafts for example, Durgi stone craft is dated back to 3rd century CE idols of Devi and Devta are crafted from soft limestone, in Assam bamboo crafts are used to carve the statues of dieties, Mithila painting is devoted to the paintings of Gordon goddesses. Meenakshi Amman Mandir Is an example of beautiful architecture. It has a thousand pillar halls. In India, there are many people whose primary income is from selling these handicrafts, and people who visit these temples get attracted to this craft which directly creates better livelihood. The opportunity for individuals involved in handicraft exports amounted to USD 2.1 billion for the year 2021-22. A significant portion of this was attributed to Mandir crafts, which showcase Hindu Dharma-inspired designs. These crafts play a crucial role in contributing to the Mandir-based Arthavyavastha (economic system). Natya Mandir in Bharat have given immense space for dance, arts, music, poetry and performances Mandir have different places allocated for conducting cultural performances talking about art industry in India. It reached 47 billion in 2012 and was expected to witness a growth of more than 17.8% in 2018; a sizeable Arthvyavstha is just based on drama, music, art performances, etc. In Hindu temples, there are various types of Parikrama (circumambulation), each contributing to the local economy. These Parikrama routes often feature food outlets, seating areas, small temples, and vendors selling crafts and goods. Though considered part of the informal economy due to the lack of official accounting, these Parikrama significantly uplift the economy of the areas where they are performed. They also contribute to the Arthavyavastha because these Parikrama routes include food outlets, seating areas, small temples, and vendors selling crafts and goods. This informal economy, though not officially accounted, significantly uplifts the local economy of the areas where Parikrama is performed.

Mandir grow towns and cities. Mandir are the centre of the city and the city develop around it.A Mandir does not need to be at the center of a city, but its presence is crucial for the town’s development and sustainability. Every activity within the Mandir contributes to the growth of knowledge and the Arthavyavastha. The economy thrives on the Pooja and other activities in and around the Mandir. From construction to prayers, decoration, rituals, and Prasada, each step requires knowledge and resources. These activities boost the economy by providing economic benefits to the people involved.

In Part-2 of the book the author  explains how Mandirs have been destroyed by various invasions, and how these invasions, since ancient time are directly on Bhartiya Arthvyavstha . This is how Bharat lost its Mandir-based Arthavyavastha.

In Part 3 the author investigates in to Loss of Mandir Ecosystem in post-Independence India and talks about how Bharat has lost major part of Mandir based Arthvyavstha and still losing it on a fast speed. Mandir are being lost discontinuation of  a lot of rituals and traditions due to new instruments like RTI and PIL (public interest litigation and right to information), media and non-government organization whereas the politician, judiciary, bureaucracy, government, central or local are being the main people to execute it?

Bharat have lost a number of rituals, lot of priest are running away from the temple as Sanskrit as a language is being killed by different government and it is clearly predicted that it is the priests will be the next target. Some Hindu believes that a Puja can be performed without a Pujari whereas they forgot that these Pujari were one of the reasons that Hinduism have survived. They were the reason when invaders were destroying the Mandis,they used to hide the idols and used to run away risking their life.

In part four of the book the author emphasizes on the need to re-establish Mandir ecosystem

The author explained that the proof of success of Mandir based Arthvyavstha lies in the fact that in 21st century leaders specifically political parties and the central government have shown immense interest in expanding Hindu Mandir and taking over more Mandir.

Jawaharlal Nehru coined the face Temple of modern India while the construction of Bhakra Nagar Dam in 1954. He said that public sector units at Temple of modern economy whereas if you see the development during Nehru‘s phase were doing business with Mandir of Bharat, to remain profitable, public service sector units do give profit and develop Bharat, but it is true that Mandir has significant importance in our Arthvyavstha and it cannot go unnoticed. Mandir Arthvyavstha was important in the past will be important in the present and will be remain important in the future. Government sectors are taking these public sector units more importantly, and making money because of Mandir they have started the Postal Service of Ganga Jal delivery scheme, thousands of people, get Gangaajal delivered to their home and this initiative was taken up by Narendra Modi government to deliver the holy water to the doorstep of every Indian across the country. This not only strengthen Hinduism and tradition in Bharat but also generated a good amount of revenue in return, it also provided employment to 30 people for four months in a year, and through this post offices are also getting more attention. The next scheme which was holy blessing scheme through postal service started under the scheme, devotees can get Prashad delivered to their home through Indian postal service from different Mandir like Chintpurni Devi, Kashi Vishwanath ,Hanuman Gadi, Vaishno Devi, Amarnath, etc. Postal service gold sale also started in which world gold Council started market making money on Akshaya Tritiya in collaboration with postal department which again connected people to their festivals. Dharmik Yatra through railways is also an initiative. Government run Buddha circuit train package of 1,08,000 in first class and 90,214 AC to tire for seven night and eight day package, government has continued their Ramayana circuit and added Buddha circuit points to the fact as government is making money from this initiative and connecting the Dharmik places and various Mandir together. State government have used Prashad to help the self help group the Laddu which are available in the temple premises in Badrinath and Kedarnath are made out of locally grown grains and are packed in eco-friendly baskets, which are grown by the local people like bamboos. This not only boost employment, but also make use of the local environment and is completely eco-friendly in packaging. There are numerous example by which central and state government are connecting people to Hinduism and Mandir, whereas private sector also get benefit from Mandir like hospitality industry, religious tourism has given immense boost to domestic and international hospitality chains as Yatri go and stay in those places. Travel industry have also seen a boost the choppers in Amarnath are always fully booked. The success of airline means more airport and allied services. Thousands of private buses have been added that have given employment to a lot of drivers. Online service is also seen as progress in Mandir Arthvyavstha that offers facility of online Pooja online Darshan, there are online platform that sell Prashad from different Mandir. It is clear that not just the government or the private sector every individual from agriculturist to a businessman has benefited from Arthvyavstha of Mandir.

In conclusion the author remarks that the subject of Mandir Arthvyavstha’s 21st-century contribution from Bharat to the global community is now debatable! This book took the author four years to finish, but the effort was well worth it! With just one reading of this book, the reader will be able to learn everything there is to know about Mandirs thanks to the author’s meticulous writing.

The major old cities of India like Ujjain, Pushkar,Varanasi do not have a single industry, but this survived and the survival was because of the Mandir and it is enough to prove how much Bharat and India depend on Mandir based Arthvyavstha .Mandir is spread all over India Both in terms of Arthvyavstha and construction and destruction, the author tries to open the eyes of every Hindu on how their Dharam is being destroyed by the invasion and is continuously being destroyed by the politician bureaucrats, media, etc.

This book will give present and future generations a fresh perspective on the Mandir. It offers insightful information about the Temple-based economy. The book has numerous tables that give readers a thorough understanding of the many facets of Mandirs. A few additional images in the book would have improved the information retention and made it easier on the eyes.

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Book Review: Development with Dignity-A case for full Employment

Author: Prof. Amit Bhaduri
Publisher: National Book Trust , India
Reviewer: Prof. Raj Kumar Mittal, Member-UGC and All India Co-Convener, Swadeshi Jagran Manch

Review
The book is written by internationally renowned unconventional economist Prof. Amit Bhaduri, who has the distinction of challenging the mainstream theorists and providing solutions within the market economy through state interventions. The contents of the book are presented in six chapters. The author made a distinction between political democracy and economic democracy. India despite having enormous diversity in terms of religion, language and ethnicity has gradually becomes a mature democratic country politically . However, despite so many years of efforts by governments , we still have a large number of people who may be around 10 percent of our population living below the poverty line. Though growth since economic reforms in 1991 onwards has been pretty good yet our per capita income is abysmally low and in terms of our ranking in HDI , we stand at a very low position. The author pointed out severe economic disparities in income distribution suggesting disconnect between our economic and political systems. He suggested that high economic growth has to be pro-poor in its thrust and social barriers of discrimination and prejudices based on gender, caste, language , religion, or ethnicity needs to be broken. Prof. Bhaduri termed this situation as Development with Dignity. In such a situation basic needs of life like food, shelter, clothing , clean water, health and education etc can not be left to the mercy of market forces and governments must be sensitive to such situations to address people issues and problems. The author says different political parties have failed to make a growth agenda as pro- poor and bring pro poor reforms into actionable policy decisions . Keeping in view the prevailing situation of jobless growth and poverty in India, the author of the book presented the alternate strategy for having a situation of Full Employment in the country. He is of the view the goal should be to first target employment and then automatically growth will take place in the economy. Targeting growth first and then seeing employment is not the right strategy. For full Employment in the economy Prof Bhaduri suggested to empower rural and urban local bodies for decentralised decisions on the pattern of division of powers and resources between centre and states. Based on such a system , these local bodies need to identify projects which create infrastructure in short and long run and thus through income generation demand for goods and services. Through full utilisation of existing capacity inflation in the system could be checked. He suggested having a minimum wage rate be given to everyone who offers to join in such projects. This approach will ensure employment to all on sustainable basis. He suggested for amendment in Fiscal Responsibility and Management Act which unnecessarily puts a check on Govt. power to print new currency through RBI. Funding of these projects through domestic public debt is a better option than funding through foreign debt. Prof Bhaduri also suggested relying more on domestic sources of growth than foreign sources like exports and FDIs, which imposes unnecessarily restrictions on domestic policies. Prof. Bhaduri was able to pinpoint India’s number one problem as unemployment and called for adoption of strategies towards achievement of Full Employment , the same stand is taken by Swadeshi Swavalambi Bharat Abhiyaan and has called for attainment of Full Employment through promotion of entrepreneurship. Policy makers should listen to what Prof. Bhaduri has written long back in 2005 when this book was published. The book presents the ideas briefly in simple language. The book is worth to read by those who are genuinely interested in solving India’s unemployment problem and want to utilise the demographic dividend which we today enjoy.

By Prof. Raj Kumar Mittal, Member-UGC and All India Co-Convener, Swadeshi Jagran Manch.

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World’s Greatest ENTREPRENEURS by Wonder House

Reviewed by: Prof. Raj Kumar Mittal, Member UGC and All India Co-Convenor of Swadeshi Jagran Manch.

A well researched book which celebrates the achievements of famous and intriguing entrepreneurs who have inspired generations with talent, hard work and success stories. I am sure the book will appeal to young and inquisitive minds to embrace the path of entrepreneurship and script their success stories in the dynamic world which offers immense opportunities to the youth today. The book has covered the journey of 25 successful entrepreneurs. For better understanding and space constraints, the review shall be completed in three parts. The first part has covered five entrepreneurs and their contribution to the world of business and society.

  1. Amancio Ortega Goana: founder of popular fashion chains Zara, Pull&Bear, and Oysho is Spanish entrepreneur born in 1936. His father was railway worker and mother a housemaid. To support family did initial job in textile industry as an employee and learned the art of making clothes. Never received higher education and left school at age of fourteen. He realised that to earn good money, one should give customers what they really want. Uniqueness of Zara is to produce clothes what customers really want, at low cost with express delivery. Brand is popular even without much publicity. He always keeps a low profile and avoids publicity. Ortega achieved success through sheer self-confidence and hard work. He created unshakeable trust with his customers which led him to incomparable success.
  2. Andrew Carnegie: He was a Scottish- American steel tycoon and one of the wealthiest businessmen of the 19th century.Due to family financial constraints initially he worked in cotton factories but then focused on reading, theater and music. He joined the telegraph office as messenger boy, then as assistant in the Pennsylvania Railroad understanding the importance of iron and steel. He was the first person to introduce sleeping cars in US railways. He established the Carnegie Steel Company and became the biggest manufacturer of pig iron, steel rails and coke in the world. Later sold the company to J.P.Morgan. Carnegie did a lot of charitable work, especially supporting public library buildings. He established the Carnegie Institute of Pittsburgh and Carnegie Institute of Technology. He is also the writer of Triumphant Democracy and The Gospel of Wealth.
  3. Arianna Huffington: She is an author, philanthropist and television personality born in 1950 at  Athens Greece. She is the owner of online news magazine , The Huffington Post. She graduated in economics from Girton College, Cambridge, U.K.She worked as a columnist, critic and a television host. She is author of The Female Woman in 1973, After Reason in 1978, Maria Callas, Picasso: Creator and Destroyer and was associated with Vogue, Cosmopolitan, Daily Mail and The Spectator. She shifted to New York and got involved in political issues. She launched The Huffington Post, covering topics related to politics, sports and business. She is considered one of the most influential media women.
  4. Bill Gates: He founded one of the world’s most significant software businesses, Microsoft. He is an American business tycoon , investor, author,humanitarian and wealthiest man in the world. He was born in 1955 at Seattle, Washington, USA. At the age of 13, he wrote the first software on a school computer. At age of 17 he formed a test called Traf -O-Data. From the school days itself he was engrossed in computers. His first job was at MITS in 1975 and in that year he also founded Microsoft and applied BASIC programming language. In 1981 they introduced MS-DOS , Windows in 1985 and Microsoft Office in 1989. He also authored books entitled The Road Ahead and Business@ the Speed of Thought.  At the age of 37, he became the world’s richest man. He founded the Bill & Melinda Gates Foundation to carry out philanthropic activities .
  5. Elon Musk: South African entrepreneur born in 1971 founded ingenious Tesla Motors. From his childhood days he developed interest in computer programming and sold self made video game Blastar. In 1989 he shifted to Canada and performed odd jobs like shoveling dirt in a boiling room. He obtained dual degree in Physics and Economics and doctorate in Design and Aerospace Engineering. He is an avid reader of books and has decided to save humanity as his life’s mission. He first explored Internet businesses and created IT companies Zip2 and X.com. X.com. later became part of PayPal. He subsequently shifted to space engineering and energy businesses. Musk founded SpaceX and is still inspired by the idea of reducing space transportation costs to enable people to colonize Mars. SpaceX receives contracts from NASA. MUSK designed the first electric sports car called Tesla Roadster.He also founded SolarCity Corporation which provides solar power systems for homes, businesses and governments. He is also involved in development of rail systems in U.S.A. Elon Musk today is considered one of the most powerful and influential people in the world.

All these five world leaders have few commonalities viz. started earning at an early stage, started doing small small activities which build confidence to take risk in innovative ideas they cultivated and the larger objective of life to serve humanity. All the five business tycoons had ordinary backgrounds, are first generation entrepreneurs, and have gone through the hardships of life but by their sheer determination, hard work and missionary zeal excelled in their chosen areas and are contributing to the welfare of society. I am sure their  success stories will inspire the youth our country to follow the entrepreneurial journey and contribute towards making Bharat a Vikshit Bharat, a great Bharat and a prosperous Bharat by 2047, when we shall be completing our 100 years of independence.

 

 

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Leapfrogging to Pole Vaulting

Book Review: Leapfrogging to Pole Vaulting-Creating the magic of Radical yet sustainable transformation

Leapfrogging to Pole Vaulting – creating the magic of radical yet sustainable transformation
Authors: Raghunath Mashelkar and Ravi Pandit
Publisher: Penguin Random House India, Price in Hardcover: ₹ 219, Pages: 304
Review by: Prof Raj Kumar Mittal, Member, UGC

The book has analyzed the complex, contradictory and pertinent problems, the world today is facing such as terrorism and violence, growing inequalities, unemployment and environmental degradation. Authors have categorized these issues into three E’s – Energy, Environment and Employment. We use harmful energy, finite in supply and dangerously concentrated in a few hands. On the demand side requirements are shooting up because of the rising standard of living in developing countries. Most energy needs are met through the extraction of fossil fuels resulting in pollution of water and air. Loss to human and aquatic life is massive. We are sitting on a ticking environmental time bomb. Environment therefore is a biggest threat to humanity. As far as employment is concerned, the authors point out that we see the contradiction in the sense that while millions all over the world have lifted themselves above poverty, the other millions in both developed and developing are facing job loss due to automation. They point out that on account of technology, the productivity of capital is rising while that of labor is declining resulting in large-scale unemployment globally. Solutions to these problems authors pointed out should be radical, sustainable and consistent with stakeholders’ interests. The focus should be on meeting the aspirations for a better future, not merely on survival. The latter situation is like the leap of a frog taken in reaction to a perceived threat while the former requires us to pole vault to explore better possibilities, the size of the pole corresponding to the extent of aspirations. This is what the title suggests. The authors suggest a 360-degree view of the problems we face today. As an alternative to fossil fuels, authors explored the possibility of the use of lithium-cobalt batteries in EVs or even the possibility of the use of hydrogen from water as fuel. These radical yet sustainable solutions must work under social, technological, economic and political frameworks conducive to their working. On account of vested interests, solutions become difficult to implement.

The book is well-researched and explores solutions to our complex problems. The examples given to explain the point and make it part of strategy and policy formulation are worth reading. The book presents a good understanding of some complex problems along with innovative solutions.

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Book Review: The Four Agreements by Don Miguel Ruiz

This is a wonderful  book  on personal development, making this planet a heaven and a happy & blissful life. It provides a solution to overcome unfounded beliefs and values that acquires while living in this world. The book is written by Don Miguel Ruiz, who is a Toltec master, which is a group of learned men and women who preserve wisdom acquired over centuries and live in South Mexico. They are masters of traditional wisdom, useful for making people happy and living a better life. The book starts with a person who has attained enlightenment and points out that everything on this planet is made of God, there is nothing else that exists other than God in this world.  When we see each other then it is just light or love seeing the light or love from others. The person explains this to others but people fail to understand this.  People can not understand this as dense fog in the form of beliefs, norms and customs surrounds human beings on account of which they can not see the reality. Over sometime for centuries, we have developed our beliefs, values and are passed on to the new babies or generations from the time of their birth. These rules and norms guide the life of individuals. They are told to perform better than others. These judgments are like a rule book for an individual,  which guides him. Individuals evaluate everything like he/she is beautiful or ugly, slim or fatty and so on by these rules. The world we see is nothing more than a dream or maya. So individuals are highly domesticated and every time we live in these dreams and judge our successes or failures on their realization. This is far from reality as these dreams are not our dreams and are away from reality and consequently, we witness a lot of frustration, fear, anxiety, hate etc in our daily lives. We consider these norms, beliefs as agreements. To overcome this, the author suggests four agreements , which will help us to overcome our fears and make the world blissful. First, be impeccable with your words. The author says words are very powerful and hence should be used with caution and judiciously. If we use wrongful words for others then these will ultimately harm us and not the other person against whom these bad words are used. The author says we should become White Magicians, who create better things in this world instead of becoming black magicians, who only are harmful to others.

Second, do not take anything personally – good or bad . Whenever anyone say anything to us , he or she says this based on his/her  beliefs , values, circumstances , therefore these are not related to us . I am what I am and is happy with that. Author says human mind has unlimited potential to listen to voices of this world and of the other world i.e God . One must learn to listen to these voices. Another unimaginable power of human mind is that it listen as well as speak. On account of so many conflicting agreements in our mind , human mind is confused and find difficult to distinguish between right and wrong. We are encircled with deep fog of so many conflicting thoughts and views and therefore human mind is so confused . When we don’t take things personally, we start getting the feeling of freedom and whatever one may say it will not affect us. No one can better understand us than we ourself.

Third, do not make assumptions . All misery or sadness is on account of our assumptions about ourselves and for others. We do not want to listen to others and only like to listen to things from our own perspective. We think our friends or family members know us and therefore can not go against us or harm us.But reality is that they live in their own world and can not understand us . No one can change others , a person can only change oneself. We have to accept others as such.

Fourth, always do your best . As circumstances will always change , we have to do our best accordingly . We are on this earth to live and so live with happiness and love. Nurture good thoughts , take care of your health and happiness . Respect yourself  , start loving yourself as by doing so you will love God . By doing things in the best way , we will be able to implement the earlier mentioned three agreements and by doing things so,  we will bring a lot of happiness to ourselves and to this planet . Forget the past , future and live in the present just like a child  , focus on yourself and think of the purpose of life . Try to work on implementing these four agreements , which is a new dream.

Author, suggested the path to get rid of old agreements for which human beings have  been domesticated for centuries  to the path of freedom ie. how to liberate ourselves from so many beliefs , thoughts , old agreements , which have developed the feeling of being victim, have fear and made us judgemental.This domestication works like a parasite , which sucks our energy and converts our energy which we derive from food into negativity . This parasite is a multi headed monster having manifestation in fear, greed, anger, hatredness,etc. The way suggested to  overcome these and have freedom is –   1 awareness 2 transformation 3 determination . The negativity which we observe around us makes us mentally wounded and ill. We ourselves are responsible for this . Author suggests following these four agreements: close your eyes, feel calmness , and when open your eyes enjoy the beauty of sky , animals , rivers , birds, and life around us . This is the way for having blissful life and the planet, heaven and most happiest place to live.

 

Review by : Prof. Raj Kumar Mittal , Member , UGC

 

 

Yahoo Mail: Search, organise, conquer

 

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साइकोलॉजी ऑफ मनी (Psychology of Money)

यह पुस्तक प्रसिद्ध लेखक मॉर्गन हाऊसेल द्वारा निजी पैसे के बेहतर प्रबंधन पर लिखी गई है, और उदाहरणों के माध्यम से समझाया गया कि लोग किस तरह अपनी
सोच समझ की बजाय भावनाओं के आधार पर वित्तीय निर्णय लेते हैं ।
लेखक ने पैसे के बारे व्यक्ति की सोच को बेहतर बनाने का विश्लेषणात्मक अध्ययन कर धन (wealth), लालच (greed) और खुशी(happiness) पर बहुमूल्य जानकारी हम सब के समक्ष रखी ।

पहला, पैसे के एकत्रीकरण पर घटती सीमांत उपयोगिता(law of diminishing utility) का नियम लागू होता है तथा एक सीमा के बाद कोई कितना भी पैसा कमा ले, उससे कोई अतिरिक्त लाभ नहीं मिलता । पैसे का सबसे अच्छा उपयोग, व्यक्ति को स्वतंत्र बनाने का है अर्थात , मजबूरी में कोई गलत काम न करना पड़े, अपनी रुचि का कार्य कर सकना , अपने परिवार और अपने लिए समय निकाल पाना आदि। इसी से व्यक्ति को वास्तविक खुशी मिलती है।
दूसरा, लोग पैसा अपनी जरूरतों के हिसाब से न कमा कर , सामाजिक तुलनात्मक दृष्टि अर्थात उनके दोस्त, रिश्तेदार और पड़ोसी कितना कमा रहे है , के आधार पर करते हैं और इसी अंतहीन रेस में लगे रहते है बिना इसे समझे कि जीवन और समय सीमित है।पैसे को अपनी जरूरतों के हिसाब से कमाना और अच्छा जीवन प्राप्त करने के बाद जीवन के अन्य आयामों जैसे परिवार, दोस्त, शौंक, आत्मसुधार, मानसिक शांति , सेहत, आदि , या फिर जीवन का बड़ा दृष्टिकोण को प्राप्त करना भी आवश्यक है। इसलिए पैसा अपने आप को स्वतंत्र करने के लिए आवश्यक है। बिना फ्रीडम के अधिक पैसे सोने के पिंजरे में रहने के समान है।
लेखक के अनुसार आर्थिक स्वतंत्रता के लिए ज्यादा से ज्यादा बचत आवश्यक जो खर्च कम कर की जा सकती है । बचत = आय–अहंकार( ego) । व्यक्ति ईगो में आकर अधिक खर्च करता है , जो किसी भी तरह उसके उच्च स्तर को नहीं दर्शाता। बिना जरूरत के पैसे खर्च करना ठीक नहीं। अनावश्यक पैसे खर्च करने वाला व्यक्ति अमीर हो सकता है , धनी नहीं क्योंकि वह ऐसा उधार लेकर भी कर सकता है। अमीरी दिखती है धनाढ्यपन नहीं। लाइफ स्टाइल को देखकर किसी के धनी होने का अनुमान नहीं लगाया जा सकता।
तीसरा, भाग्य और जोखिम का वित्तीय
सफलता और असफलता में बहुत महत्व है। बिल गेट्स की सफलता में भाग्य का बहुत महत्व रहा क्योंकि 1968 में जब लोग कंप्यूटर को नहीं जानते थे तब हाई स्कूल में उनको कंप्यूटर की सुविधा उपलब्ध हुई , यह संयोग ही था । लेखक के अनुसार यदि हम अमीर बनाना चाहते है तो हमें प्रेरणा बड़े बड़े करोड़पतियों और खरबपतियों से नहीं क्योंकि उतना बड़ा भाग्य मिलना मुश्किल है , हमें ऐसे व्यवसायों व अवसरों को खोजना चाहिए जहां प्रतिस्पर्धा कम हो , नए उत्पादकों की एंट्री पर रुकावट हो, उत्पाद नवीन हो या एक लंबी अवधि का निवेश आदि।
चौथा, लेखक वेल्थ सृजन में दीर्घकालीन निवेश को महत्वपूर्ण मानते हैं । वारेन बफेट ने दिखाया कि एक औसत निवेशक यदि निवेश लंबे समय तक रखे तो पैसा कंपाउंड होता ही चला जाएगा। अनेक बार व्यक्ति बाजार लालच में आकर उच्च स्तर पर शेयर खरीद लेता है और मजबूरी में गिरावट आने पर उनको बेचने पर मजबूर होता है । बाजार हमेशा आपकी भावनाओं और मानसिकता को चुनौती देता है , यदि इसको हम झेल लेते हैं तभी दीर्घकालीन निवेश का लाभ होगा। यही अधिक कमाई की कीमत है।
पांचवा , बाजार में लंबी अवधि के निवेश से यह अर्थ नहीं कि निवेशित सभी शेयर अच्छा मुनाफा देंगे । वारेन बफेट द्वारा निवेशित 400-500 स्टॉक्स में से 10-12 स्टॉक्स ही ऐसे थे जिन्होंने असाधारण मुनाफा दिया।
अतः लेखक के अनुसार व्यक्ति का व्यवहार निवेश में बुद्धिमता से कहीं अधिक महत्वपूर्ण होता है। लालच और डर में किया निर्णय हानिकारक होता है।
हम कह सकते हैं कि साइकोलॉजी ऑफ मनी एक सरल भाषा में लिखी किताब है जिसमें सफल निवेश के लिए वितीय अवधारणाओं एवं तकनीकी ज्ञान को समझने से अधिक भावनाओं और मनोविज्ञानिक प्रवृतियों का अधिक महत्व है को समझाया है। सफल निवेशक बनने के लिए पुस्तक को पढ़ना उपयोगी रहेगा।
प्रो. राज कुमार मित्तल
अखिल भारतीय सह संयोजक
स्वदेशी जागरण मंच

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“Book Review” ज़ीरो टू वन

पीटर थिएल जो एक सफल उद्यमी, व्यवसायी, और निवेशक के रूप में प्रख्यात हैं तथा जिन्होंने 1998 में एलान मस्क के साथ मिलकर पेपाल (paypal), जो की विश्व की सबसे बड़ी ऑनलाइन पेमेंट कंपनी है, ने इस पुस्तक को लिखा है। पुस्तक में पेपाल के सफल प्रयोगों के आधार पर लेखक उन सब महत्वपूर्ण बिंदुओं पे प्रकाश डालते है जिनको समझ कर कोई एक नया व्यवसाय या एक नया स्टार्टअप खड़ा कर सकता है। लेखक के अनुसार सफल व्यवसायी बनने या स्टार्टअप खड़ा करने का मार्ग है जीरो से एक का अर्थात् ऐसा उत्पाद बनाना जो पहले से उपलब्ध न हो या फिर पहले से किसी और कंपनी ने अभी न बनाया हो। यही नवाचार और तकनीकी विकास है जिससे समृद्धि बढ़ती है। बाजार में पहले से मौजूद वस्तु का निर्माण 1 से छ की यात्रा है। लेखक का मानना है की बिजनेसमैन को हमेशा यह कोशिश करनी चाहिए की कैसे उसकी कंपनी और उसके उत्पाद बाजार में अपना एकाधि कार बना कर रख सकते हैं। पुस्तक में पीटर थियल द्धारा निम्नलिखित चार बिंदुओं को महत्वपूर्ण बताया गया। प्रथम, उत्पाद पर पूर्ण अधिकार का होना अर्थात ट्रेडमार्क, कॉपीराइट आदिकारों का होना, दूसरा, अपने उत्पाद और कंपनी का नेटवर्क प्रभाव अधि क से अधिक करना। तीसरा, उत्पाद की गुणवत्ता अच्छी होनी चाहिए ताकि इकोनॉमी ऑफ स्केल का लाभ मिल सके । चतुर्थ, अपने उत्पाद की सही ब्रांडिंग करना ताकि बेहतर कीमत मिल सके । लेखक व्यवसाय को सफलतापूर्वक चलाने हेतु चार बातों पर जोर देते हैं दृ स्टार्टअप को किसी अनजान की बजाय अच्छे से जानकार के साथ शुरू करना, संगठन में भूमि का एवं दायित्व का साफ निर्धारण, पूर्णकालिक कर्मचारियों की नियुक्ति तथा फाउंडर को ज्यादा सैलरी नहीं देना । लेखक मार्केटिंग के महत्व पर भी काफी बाल देते हैं। मुझे विश्वास है, इस पुस्तक को पढ़ कर उद्यमी को एक नया व्यवसाय या स्टार्टअप खड़ा करने में काफी सहायता मिलेगी। पुस्तक के वैचारिक तथा व्यवहारिक दोनो पक्ष मजबूत हैं।

पुस्तक आनलाइन अमेजन पर उपलब्ध है।
समीक्षा प्रो० राज कुमार मित्तल ,
अखिल भारतीय सह संयोजक, स्वदेशी जागरण मंच

 

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